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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Credit Cards
12 Best American Express Credit Cards of October 2026
UpdatedSeptember 21, 2026
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. While we do receive compensation through our credit card application links, ads and clearly indicated sponsored content, our editorial content, points valuations and card analyses are entirely our own. Learn more about our advertising policy and product review methodology.
Best for premium travel perks and digital entertainment
American Express Platinum Card®
Intro offerAs High As 175,000 points. Find Out Your Offer.
Annual fee$895
You'll earn5x
Regular APRSee Pay Over Time APR
at American Express's secure site. Terms & restrictions apply. See rates & fees.
The best American Express credit cards have earned high marks thanks to their stellar rewards and perks. Amex offers a card for almost every type of spender, including credit cards for beginners, casual travelers, road warriors and always-on-the-go business travelers. Whether you’re looking for a no-annual-fee card, global airport lounge access, generous cash back in specific categories or premium access to events, Amex has a card to fit your needs.
Below, check out TPG’s picks for the best Amex cards from our partners to compare and decide which is right for you.
We rated the best American Express credit cards based on several factors, including reward earning rates, perks and benefits associated with each card and the overall value each card delivers to you, the consumer. To learn about how TPG evaluates and chooses cards for our roundups, check out our methodology here.
Welcome bonus
We included cards that featured solid welcome bonuses with varying minimum spend thresholds to fit different budgets.
Annual fee
Our top picks feature varying annual fees to provide a larger range of benefits for cardholders.
Earning rates
We chose Amex cards that feature popular bonus categories to help you maximize your rewards.
Redemption options
The best cards provide you with different types of redemption options, including cash back.
Added benefits
In addition to earning rates and lucrative welcome bonuses, our top picks also offer travel and insurance perks.
Here’s why American Express remains a fan-favorite issuer
Thanks to the myriad perks of being an Amex cardholder, the issuer has been able to offer a product suitable for every type of spender.
Amex cards are so popular that 39% of TPG readers we surveyed shared that they simultaneously hold both the American Express Platinum Card® and the American Express® Gold Card.
Cardholders who are frequent travelers, prefer staying at a specific hotel chain or are loyal to a specific airline get to choose from several cobranded Amex products while those who prefer to earn straightforward cash back or points also have lots of great options to consider.
Amex card rewards include on-property credits at select hotels, travel credits when you book and pay for a flight with certain Amex cards and even dining credits at specific restaurants and on eligible takeout and delivery orders. Both the Amex Gold and Amex Platinum cards are great for foodies and travelers alike — and make an especially powerful combo for foodies who frequently fly, too!
This information was collected via opt-in surveys of TPG’s roughly 900,000 daily newsletter subscribers in May-June 2024. All data is anonymous and aggregated; you can view our full methodology for collecting and utilizing data here.
How to choose the best Amex credit card
The best Amex credit card for you depends on what you want your card to do; are you looking to earn cash back? Do you want transferable reward points? At TPG, we recommend choosing a card that matches your spending habits, including earning rewards in your top spending categories.
Here are some of the main points to consider when choosing an Amex credit card:
1
Welcome bonus
Go with an Amex that features a decent Welcome bonus — you can use the reward you earn for future travel plans or to pay down a balance if you opt for a cash-back card. Select an option that has an achievable spend threshold and that you’ll earn the currency most valuable to you — whether it’s points, miles or cash back.
2
Annual fee
While some of the Amex cards on our list feature high annual fees, they also offer stellar travel and shopping protections in addition to other benefits like credits in certain categories. We also included no annual fee cards for those who don’t want to worry about paying for a card each year.
3
Bonus categories
The best Amex cards on this list feature several bonus categories, ensuring there’s a good fit for every type of consumer. If you want to earn rewards on grocery store purchases or flights booked through the Amex travel portal, it’s likely that one of our top-rated picks is well-suited to your specific needs.
American Express Membership Rewards: The ultimate guide - The Points Guy
Get the most out of your Amex points by learning how to maximize their value
American Express cards can earn points, miles or cash back on every dollar you spend, helping you maximize your reward-earning strategy
Many American Express cards offer valuable shopping and travel protections
Select American Express cards provide perks like statement credits, elite status and more
Cons
The cost of borrowing on Amex cards is higher than traditional loans
American Express may not be accepted by all merchants
American Express typically only allows you to earn one welcome bonus per card once in your lifetime
American Express benefits
American Express cards have long held a reputation for lucrative benefits, though the extent of these perks depends on the card you have.
Frequently asked questions
Is American Express a good credit card issuer?
Yes, American Express is a reliable issuer that offers a variety of lucrative cards. This includes a number of great cash-back options as well as many that award Membership Rewards points, which are some of the most valuable transferable points out there.
How do you apply for an American Express credit card?
To start an American Express application, you can click on any of the links in this guide and follow the onscreen prompts. Be prepared with your Social Security number along with all of your contact information.
Is American Express accepted everywhere?
No, but the issuer has made strides in recent years. In fact, according to the February 2023 Nilson report, Amex is now accepted at 99% of U.S. merchants that take credit cards — putting it nearly even with networks like Visa and Mastercard.
What credit score do you need for an American Express card?
There’s no single threshold to get approved for an American Express card, but most of them require good or excellent credit. However, even that may not be enough for a premium card like the the American Express Platinum Card®.
How many American Express cards can you have?
Amex generally limits the number of personal cards you can have to five, though cards without preset spending limits* — like the American Express Platinum Card® and American Express® Gold Card — are typically excluded from this number, as are small-business Amex cards.
However, that’s not a license to apply for new cards with abandon, since American Express will consider your history of opening and closing accounts when deciding on your approval. You can read more information in the Amex section of our guide to credit card application restrictions.
*No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
What is the best American Express card?
There’s no one “best” American Express card for everyone. If you’re looking for more luxury when traveling, the American Express Platinum Card® could be a great fit. However, if you just want simple cash-back rewards, you may prefer a product like the Blue Cash Preferred® Card from American Express.
Start by identifying the type of rewards you want — Membership Rewards points, airline miles, hotel points or cash back. Next, consider the types of purchases you make on a regular basis along with other benefits you value highly. Then, pick the card that offers your preferred rewards currency along with sufficiently lucrative benefits and earning rates based on your typical spending habits.
Earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
Intro offer
As High As 175,000 points. Find Out Your Offer.
Annual fee
$895
Regular APR
See Pay Over Time APR
Recommended credit
Good to Excellent
Why we chose it
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Pros + cons
Pros
No foreign transaction fees
Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
More details
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
View more
Pros
No foreign transaction fees
Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
Why we chose it
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Pros + cons
Pros
No foreign transaction fees
Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
More details
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Pros
No foreign transaction fees
Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Pros + cons
Pros
No foreign transaction fees
Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
More details
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
Best for business owners who prioritize premium travel perks
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
Pros + cons
Pros
No foreign transaction fees
Offers easy to use business-specific statement credits
Earns valuable and transferable Membership Rewards points
Cons
$895 annual fee
More details
As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Best for business owners who prioritize premium travel perks
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
Pros + cons
Pros
Earn 4 Membership Rewards points per dollar spent in the top two spend categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar spent thereafter)
This card comes with a solid welcome offer
Up to $12.95 monthly Walmart+ statement credit (plus applicable taxes and fees; subject to auto renewal; plus ups not eligible; enrollment required)
Monthly up to $20 flexible business statement credit (enrollment required)
Cons
$375 annual fee
There may be better options for small businesses who don't spend a lot
More details
As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our full review of the Blue Cash Preferred Card from American Express.
Pros + cons
Pros
This card has one of the best earning structures out there for cash-back credit cards
The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases
The Blue Cash Preferred is a cash-back workhorse when you maximize high-earning spend categories
Cons
You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad
More details
Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
The Delta SkyMiles Gold Amex provides valuable elite-like benefits for causal Delta flyers including a first checked bag free on Delta flights worldwide, a second checked bag free on U.S. domestic Delta flights and priority boarding. It can easily justify getting and keeping this card. Read our full review of the Delta SkyMiles Gold American Express Card.
Pros + cons
Pros
First checked bag free on flights worldwide and second checked bag free on U.S. domestic flights
Priority boarding
15% discount on all award flights
20% back in the form of a statement credit on inflight purchases (not including Wi-Fi)
Cons
There are better Delta cards if you want lounge access or a boost to earn elite status
More details
Apply and find out your welcome offer: As High As 80,000 Bonus Miles + Earn a $250 Statement Credit after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You may not be eligible for the maximum welcome offer amount. Offer ends 11/04/2026.
Enjoy a $0 introductory annual fee for the first year, then $150.
Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
$120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after your first Card renewal when you use your Delta SkyMiles® Gold American Express Card for U.S. rideshare purchases with select providers. Enrollment required.
$200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our review of the Delta SkyMiles Reserve card.
Reserve Card Members receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year, the total eligible purchases on the Card must equal $75,000 or more each calendar year.
Pros + cons
Pros
Delta SkyClub access when flying Delta
Annual companion ticket for travel on Delta (upon renewal)
Ability to earn MQDs through spending
Various statement credits for eligible purchases
Cons
Steep annual fee of $650
Other Delta cobranded cards offer superior earning categories
More details
Earn two round‑trip Delta Comfort Flight Certificates valid for travel to the U.S. 48, Puerto Rico, or the U.S. Virgin Islands, along with 50,000 Bonus Miles after you spend $10,000 in purchases on your new Card in the first 6 months. A 21+ day advance purchase is required. Taxes and fees up to $80 per person apply. Terms and other restrictions apply. Offer ends 11/4/2026.
Delta SkyMiles® Reserve American Express Card Members receive 15 Visits each Medallion® Year to the Delta Sky Club® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card during a calendar year. Reserve Card Members can also enjoy complimentary access to The Centurion® Lounge and Escape Lounges when you book your Delta flight with your Delta SkyMiles® Reserve American Express Card.
Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
The Hilton Honors American Express Aspire Card offers unparalleled value for frequent Hilton loyalists. It offers automatic Diamond status, up to $400 in annual Hilton resort statement credits (up to $200 semi-annually) and a Free Night Reward every year. Its rich suite of benefits easily offsets the annual fee for those who stay at Hilton properties even a few times per year.
Pros + cons
Pros
Complimentary Hilton Diamond status with all the associated perks (including lounge access at select properties, complimentary breakfast and room upgrades when available)
Annual Free Night Reward (valid at most Hilton properties worldwide)
Up to $400 in Hilton resort statement credits each year (up to $200 semi-annually)
Up to $200 in airline fee credits annually (up to $50 in statement credits each calendar year)
Strong earning rates on Hilton purchases and select travel categories
Cons
High $550 annual fee
Perks are heavily Hilton-focused, making them less valuable if you don’t stay at their properties often
More details
Best Points Offer Yet! Earn 200,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 01/13/2027.
Enjoy complimentary Diamond status with your Card. Diamond status gives you a 100% Bonus on Base Points you earn on every stay, Premium Wi-Fi and space-available room upgrades at select properties, executive lounge access at select properties, and more.
Earn 14X Hilton Honors Bonus Points when you make eligible purchases on your Card directly with hotels and resorts within the Hilton portfolio.
Card Members can earn 7X Points on purchases of Flights booked directly with airlines or flights booked through American Express Travel, Car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants.
The Bonvoy Brilliant is ideal for travelers who are loyal to the Marriott brand. You’ll get a solid return on Marriott stays and a number of premium perks that can help you upgrade your trips. However, with high-end perks comes a high annual fee.
Pros + cons
Pros
Up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide
1 free night award (up to 85,000 points) every year after your card renewal month; certain hotels have resort fees
Priority Pass membership (enrollment required)
Automatic Platinum Elite status
Cons
Pricey $650 annual fee
More details
Earn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
Earn 3X points at restaurants worldwide and on flights booked directly with airlines.
Earn 2X points on all other eligible purchases.
Earn up to 21X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Brilliant® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status.
$300 Brilliant Dining Credit: With the $300 Brilliant Dining Credit, you can get up to $25 per month each calendar year in statement credits for eligible purchases at restaurants worldwide when you pay with your Marriott Bonvoy Brilliant® American Express® Card.
Best for welcome offer and elite status
Marriott Bonvoy Brilliant® American Express® Card
TPG editor's rating
Best for small businesses that spend under $50,000 each year
The Blue Business® Plus Credit Card from American Express
This credit card is good for two groups of consumers. First, small business owners who have under $50,000 in purchases and wants to minimize any extra costs will find tremendous value from this card’s straightforward point-earning approach. Or, if you already own other Amex cards that earn Membership Rewards points and want a card with an everyday rewards rate, the 2x is helpful for all purchases (given that you spend less than $50,000 per calendar year). Read our full review of the Blue Business Plus card.
Pros + cons
Pros
No annual fee
Earn Membership Rewards points
Transfer points to 20 airline and hotel partners
Cons
2 points per dollar spent earning rate is capped at $50,000 per calendar year; then 1 point per dollar spent thereafter
No higher bonus categories for business-related spending
More details
As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74% based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
Best for small businesses that spend under $50,000 each year
The Blue Business® Plus Credit Card from American Express
Hilton Honors Gold status, with the opportunity to earn Diamond status
No foreign transaction fees
Cons
Dynamic award chart can require many points for a redemption
Ties you to Hilton properties
More details
Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027.
Enjoy complimentary Hilton Honors Gold Status with benefits like an 80% Points earning Bonus on Stays, daily food & beverage credit or continental breakfast (varies by brand & region), space-available room upgrades at select properties, and more.
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You'll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Read our full review of the Blue Cash Everyday card.
Pros + cons
Pros
3% cash back at U.S. supermarkets (up to $6,000 in purchases per calendar year; then 1%)
3% cash back at U.S. gas stations and U.S. online retail purchases (up to $6,000 in purchases per calendar year; then 1%)
Access to Amex Offers (enrollment is required), which earn you statement credits or extra points on purchases with a wide variety of merchants
Cons
There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend
Charges foreign transaction fees
More details
Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
“As a business owner who spends a lot on internet advertising, the Business Gold card is the top point-earning card in my arsenal. $150,000 in spending nets me 600,000 valuable Amex points a year. This card is a no-brainer for anyone who spends on advertising and the other categories.”
“As part of my points and miles strategy, I purchase premium-cabin cash fares from time to time. Earning 5 points per dollar on airfare (up to $500k per year) is an outstanding way to rack up Amex Membership Rewards points when booking directly with an airline.”
“I’ve had the Amex Blue Cash Preferred in my wallet for over a decade because it earns me hundreds of dollars in cash back each year for a modest annual fee. Plus, the offers I receive on this card often align with my spending in various categories, making it a no-brainer for me.”
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
5X
Earn 5X points on flights and prepaid hotels on AmexTravel.com.
2X
Earn 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1X
Earn 1X points on other eligible purchases.
Intro offer
As High As 300,000 points. Find Out Your Offer.
Annual fee
$895
Regular APR
17.99% - 28.74% Variable
Recommended credit
Good to Excellent
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
Terms Apply.
Why we chose it
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
View more
Pros
No foreign transaction fees
Offers easy to use business-specific statement credits
Earns valuable and transferable Membership Rewards points
Cons
$895 annual fee
As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
Terms Apply.
Why we chose it
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
Pros + cons
Pros
No foreign transaction fees
Offers easy to use business-specific statement credits
Earns valuable and transferable Membership Rewards points
Cons
$895 annual fee
More details
As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
Terms Apply.
Why we chose it
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
Pros
No foreign transaction fees
Offers easy to use business-specific statement credits
Earns valuable and transferable Membership Rewards points
Cons
$895 annual fee
As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
As High As 300,000 points. Find Out Your Offer.
Annual fee
$895
Regular APR
17.99% - 28.74% Variable
Recommended credit
Good to Excellent
Why we chose it
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
Pros + cons
Pros
No foreign transaction fees
Offers easy to use business-specific statement credits
Earns valuable and transferable Membership Rewards points
Cons
$895 annual fee
More details
As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
Terms Apply.
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Why we chose it
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
View more
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Why we chose it
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Why we chose it
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
Why we chose it
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
3.5
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
3X
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App™ using your Business Gold Card.*
1X
Earn 1X on all other eligible purchases.
Intro offer
As High As 200,000 points. Find Out Your Offer.
Annual fee
$375
Regular APR
17.99% - 28.74% Variable
Recommended credit
Excellent to Good
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold card. Subscription purchases subject to auto-renewal.
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with the Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
Terms Apply
Why we chose it
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
View more
Pros
Earn 4 Membership Rewards points per dollar spent in the top two spend categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar spent thereafter)
This card comes with a solid welcome offer
Up to $12.95 monthly Walmart+ statement credit (plus applicable taxes and fees; subject to auto renewal; plus ups not eligible; enrollment required)
Monthly up to $20 flexible business statement credit (enrollment required)
Cons
$375 annual fee
There may be better options for small businesses who don't spend a lot
As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold card. Subscription purchases subject to auto-renewal.
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with the Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
Terms Apply
Why we chose it
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
Pros + cons
Pros
Earn 4 Membership Rewards points per dollar spent in the top two spend categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar spent thereafter)
This card comes with a solid welcome offer
Up to $12.95 monthly Walmart+ statement credit (plus applicable taxes and fees; subject to auto renewal; plus ups not eligible; enrollment required)
Monthly up to $20 flexible business statement credit (enrollment required)
Cons
$375 annual fee
There may be better options for small businesses who don't spend a lot
More details
As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold card. Subscription purchases subject to auto-renewal.
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with the Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
Terms Apply
Why we chose it
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
Pros
Earn 4 Membership Rewards points per dollar spent in the top two spend categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar spent thereafter)
This card comes with a solid welcome offer
Up to $12.95 monthly Walmart+ statement credit (plus applicable taxes and fees; subject to auto renewal; plus ups not eligible; enrollment required)
Monthly up to $20 flexible business statement credit (enrollment required)
Cons
$375 annual fee
There may be better options for small businesses who don't spend a lot
As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold card. Subscription purchases subject to auto-renewal.
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with the Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
As High As 200,000 points. Find Out Your Offer.
Annual fee
$375
Regular APR
17.99% - 28.74% Variable
Recommended credit
Excellent to Good
Why we chose it
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
Pros + cons
Pros
Earn 4 Membership Rewards points per dollar spent in the top two spend categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar spent thereafter)
This card comes with a solid welcome offer
Up to $12.95 monthly Walmart+ statement credit (plus applicable taxes and fees; subject to auto renewal; plus ups not eligible; enrollment required)
Monthly up to $20 flexible business statement credit (enrollment required)
Cons
$375 annual fee
There may be better options for small businesses who don't spend a lot
More details
As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold card. Subscription purchases subject to auto-renewal.
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with the Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
Terms Apply
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
6%
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%).
6%
Earn 6% cash back on select U.S. streaming subscriptions.
3%
Earn 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases.
1%
Earn 1% cash back on other purchases.
Intro offer
As High As $300 Cash Back. Find Out Your Offer.
Annual fee
$0 intro annual fee for the first year, then $95.
Regular APR
19.74%-28.74% Variable
Recommended credit
Excellent to Good
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our full review of the Blue Cash Preferred Card from American Express.
View more
Pros
This card has one of the best earning structures out there for cash-back credit cards
The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases
The Blue Cash Preferred is a cash-back workhorse when you maximize high-earning spend categories
Cons
You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad
Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our full review of the Blue Cash Preferred Card from American Express.
Pros + cons
Pros
This card has one of the best earning structures out there for cash-back credit cards
The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases
The Blue Cash Preferred is a cash-back workhorse when you maximize high-earning spend categories
Cons
You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad
More details
Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our full review of the Blue Cash Preferred Card from American Express.
Pros
This card has one of the best earning structures out there for cash-back credit cards
The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases
The Blue Cash Preferred is a cash-back workhorse when you maximize high-earning spend categories
Cons
You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad
Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
As High As $300 Cash Back. Find Out Your Offer.
Annual fee
$0 intro annual fee for the first year, then $95.
Regular APR
19.74%-28.74% Variable
Recommended credit
Excellent to Good
Why we chose it
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our full review of the Blue Cash Preferred Card from American Express.
Pros + cons
Pros
This card has one of the best earning structures out there for cash-back credit cards
The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases
The Blue Cash Preferred is a cash-back workhorse when you maximize high-earning spend categories
Cons
You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad
More details
Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
2X
Earn 2X miles on Delta Purchases, restaurants, and U.S. supermarkets.
1X
Earn 1X miles on all other eligible purchases.
Intro offer
As High As 80K Miles + $250 Statement Credit
Annual fee
$0 introductory annual fee for the first year, then $150.
Regular APR
19.74%-28.74% Variable
Recommended credit
Excellent to Good
When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
Check your first bag for free on Delta flights worldwide and get your second bag free when flying domestically.
$100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
Send money, split purchases, and focus on the moments that matter – with Send & Split®. Powered by Venmo and PayPal. Enrollment Required. Terms apply.
The Delta SkyMiles Gold Amex provides valuable elite-like benefits for causal Delta flyers including a first checked bag free on Delta flights worldwide, a second checked bag free on U.S. domestic Delta flights and priority boarding. It can easily justify getting and keeping this card. Read our full review of the Delta SkyMiles Gold American Express Card.
View more
Pros
First checked bag free on flights worldwide and second checked bag free on U.S. domestic flights
Priority boarding
15% discount on all award flights
20% back in the form of a statement credit on inflight purchases (not including Wi-Fi)
Cons
There are better Delta cards if you want lounge access or a boost to earn elite status
Apply and find out your welcome offer: As High As 80,000 Bonus Miles + Earn a $250 Statement Credit after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You may not be eligible for the maximum welcome offer amount. Offer ends 11/04/2026.
Enjoy a $0 introductory annual fee for the first year, then $150.
Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
$120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after your first Card renewal when you use your Delta SkyMiles® Gold American Express Card for U.S. rideshare purchases with select providers. Enrollment required.
$200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
Check your first bag for free on Delta flights worldwide and get your second bag free when flying domestically.
$100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
Send money, split purchases, and focus on the moments that matter – with Send & Split®. Powered by Venmo and PayPal. Enrollment Required. Terms apply.
The Delta SkyMiles Gold Amex provides valuable elite-like benefits for causal Delta flyers including a first checked bag free on Delta flights worldwide, a second checked bag free on U.S. domestic Delta flights and priority boarding. It can easily justify getting and keeping this card. Read our full review of the Delta SkyMiles Gold American Express Card.
Pros + cons
Pros
First checked bag free on flights worldwide and second checked bag free on U.S. domestic flights
Priority boarding
15% discount on all award flights
20% back in the form of a statement credit on inflight purchases (not including Wi-Fi)
Cons
There are better Delta cards if you want lounge access or a boost to earn elite status
More details
Apply and find out your welcome offer: As High As 80,000 Bonus Miles + Earn a $250 Statement Credit after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You may not be eligible for the maximum welcome offer amount. Offer ends 11/04/2026.
Enjoy a $0 introductory annual fee for the first year, then $150.
Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
$120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after your first Card renewal when you use your Delta SkyMiles® Gold American Express Card for U.S. rideshare purchases with select providers. Enrollment required.
$200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
Check your first bag for free on Delta flights worldwide and get your second bag free when flying domestically.
$100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
Send money, split purchases, and focus on the moments that matter – with Send & Split®. Powered by Venmo and PayPal. Enrollment Required. Terms apply.
The Delta SkyMiles Gold Amex provides valuable elite-like benefits for causal Delta flyers including a first checked bag free on Delta flights worldwide, a second checked bag free on U.S. domestic Delta flights and priority boarding. It can easily justify getting and keeping this card. Read our full review of the Delta SkyMiles Gold American Express Card.
Pros
First checked bag free on flights worldwide and second checked bag free on U.S. domestic flights
Priority boarding
15% discount on all award flights
20% back in the form of a statement credit on inflight purchases (not including Wi-Fi)
Cons
There are better Delta cards if you want lounge access or a boost to earn elite status
Apply and find out your welcome offer: As High As 80,000 Bonus Miles + Earn a $250 Statement Credit after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You may not be eligible for the maximum welcome offer amount. Offer ends 11/04/2026.
Enjoy a $0 introductory annual fee for the first year, then $150.
Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
$120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after your first Card renewal when you use your Delta SkyMiles® Gold American Express Card for U.S. rideshare purchases with select providers. Enrollment required.
$200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
Check your first bag for free on Delta flights worldwide and get your second bag free when flying domestically.
$100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
Send money, split purchases, and focus on the moments that matter – with Send & Split®. Powered by Venmo and PayPal. Enrollment Required. Terms apply.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
As High As 80K Miles + $250 Statement Credit
Annual fee
$0 introductory annual fee for the first year, then $150.
Regular APR
19.74%-28.74% Variable
Recommended credit
Excellent to Good
Why we chose it
The Delta SkyMiles Gold Amex provides valuable elite-like benefits for causal Delta flyers including a first checked bag free on Delta flights worldwide, a second checked bag free on U.S. domestic Delta flights and priority boarding. It can easily justify getting and keeping this card. Read our full review of the Delta SkyMiles Gold American Express Card.
Pros + cons
Pros
First checked bag free on flights worldwide and second checked bag free on U.S. domestic flights
Priority boarding
15% discount on all award flights
20% back in the form of a statement credit on inflight purchases (not including Wi-Fi)
Cons
There are better Delta cards if you want lounge access or a boost to earn elite status
More details
Apply and find out your welcome offer: As High As 80,000 Bonus Miles + Earn a $250 Statement Credit after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You may not be eligible for the maximum welcome offer amount. Offer ends 11/04/2026.
Enjoy a $0 introductory annual fee for the first year, then $150.
Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
$120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after your first Card renewal when you use your Delta SkyMiles® Gold American Express Card for U.S. rideshare purchases with select providers. Enrollment required.
$200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
Check your first bag for free on Delta flights worldwide and get your second bag free when flying domestically.
$100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
Send money, split purchases, and focus on the moments that matter – with Send & Split®. Powered by Venmo and PayPal. Enrollment Required. Terms apply.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
3X
Earn 3X Miles on Delta purchases.
1X
Earn 1X Miles on all other eligible purchases.
Intro offer
Earn 2 Delta Comfort Flight Certificates + 50K Miles
Annual fee
$650
Regular APR
19.74%-28.74% Variable
Recommended credit
Excellent to Good
Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
$240 Resy Credit: Get up to $20 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Delta SkyMiles® Reserve American Express Card for eligible purchases.
Global Dining Access by Resy gives you special access to sought-after U.S. Resy restaurants when you add your Delta SkyMiles® Reserve American Express Card to your Resy profile. Access to exclusive reservations, premium dining experiences, Priority Notify, and more, all from Resy.com or the Resy app.
$120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card for U.S. rideshare purchases with select providers. Enrollment Required.
Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our review of the Delta SkyMiles Reserve card.
Reserve Card Members receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year, the total eligible purchases on the Card must equal $75,000 or more each calendar year.
View more
Pros
Delta SkyClub access when flying Delta
Annual companion ticket for travel on Delta (upon renewal)
Ability to earn MQDs through spending
Various statement credits for eligible purchases
Cons
Steep annual fee of $650
Other Delta cobranded cards offer superior earning categories
Earn two round‑trip Delta Comfort Flight Certificates valid for travel to the U.S. 48, Puerto Rico, or the U.S. Virgin Islands, along with 50,000 Bonus Miles after you spend $10,000 in purchases on your new Card in the first 6 months. A 21+ day advance purchase is required. Taxes and fees up to $80 per person apply. Terms and other restrictions apply. Offer ends 11/4/2026.
Delta SkyMiles® Reserve American Express Card Members receive 15 Visits each Medallion® Year to the Delta Sky Club® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card during a calendar year. Reserve Card Members can also enjoy complimentary access to The Centurion® Lounge and Escape Lounges when you book your Delta flight with your Delta SkyMiles® Reserve American Express Card.
Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
$240 Resy Credit: Get up to $20 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Delta SkyMiles® Reserve American Express Card for eligible purchases.
Global Dining Access by Resy gives you special access to sought-after U.S. Resy restaurants when you add your Delta SkyMiles® Reserve American Express Card to your Resy profile. Access to exclusive reservations, premium dining experiences, Priority Notify, and more, all from Resy.com or the Resy app.
$120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card for U.S. rideshare purchases with select providers. Enrollment Required.
Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our review of the Delta SkyMiles Reserve card.
Reserve Card Members receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year, the total eligible purchases on the Card must equal $75,000 or more each calendar year.
Pros + cons
Pros
Delta SkyClub access when flying Delta
Annual companion ticket for travel on Delta (upon renewal)
Ability to earn MQDs through spending
Various statement credits for eligible purchases
Cons
Steep annual fee of $650
Other Delta cobranded cards offer superior earning categories
More details
Earn two round‑trip Delta Comfort Flight Certificates valid for travel to the U.S. 48, Puerto Rico, or the U.S. Virgin Islands, along with 50,000 Bonus Miles after you spend $10,000 in purchases on your new Card in the first 6 months. A 21+ day advance purchase is required. Taxes and fees up to $80 per person apply. Terms and other restrictions apply. Offer ends 11/4/2026.
Delta SkyMiles® Reserve American Express Card Members receive 15 Visits each Medallion® Year to the Delta Sky Club® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card during a calendar year. Reserve Card Members can also enjoy complimentary access to The Centurion® Lounge and Escape Lounges when you book your Delta flight with your Delta SkyMiles® Reserve American Express Card.
Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
$240 Resy Credit: Get up to $20 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Delta SkyMiles® Reserve American Express Card for eligible purchases.
Global Dining Access by Resy gives you special access to sought-after U.S. Resy restaurants when you add your Delta SkyMiles® Reserve American Express Card to your Resy profile. Access to exclusive reservations, premium dining experiences, Priority Notify, and more, all from Resy.com or the Resy app.
$120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card for U.S. rideshare purchases with select providers. Enrollment Required.
Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our review of the Delta SkyMiles Reserve card.
Reserve Card Members receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year, the total eligible purchases on the Card must equal $75,000 or more each calendar year.
Pros
Delta SkyClub access when flying Delta
Annual companion ticket for travel on Delta (upon renewal)
Ability to earn MQDs through spending
Various statement credits for eligible purchases
Cons
Steep annual fee of $650
Other Delta cobranded cards offer superior earning categories
Earn two round‑trip Delta Comfort Flight Certificates valid for travel to the U.S. 48, Puerto Rico, or the U.S. Virgin Islands, along with 50,000 Bonus Miles after you spend $10,000 in purchases on your new Card in the first 6 months. A 21+ day advance purchase is required. Taxes and fees up to $80 per person apply. Terms and other restrictions apply. Offer ends 11/4/2026.
Delta SkyMiles® Reserve American Express Card Members receive 15 Visits each Medallion® Year to the Delta Sky Club® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card during a calendar year. Reserve Card Members can also enjoy complimentary access to The Centurion® Lounge and Escape Lounges when you book your Delta flight with your Delta SkyMiles® Reserve American Express Card.
Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
$240 Resy Credit: Get up to $20 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Delta SkyMiles® Reserve American Express Card for eligible purchases.
Global Dining Access by Resy gives you special access to sought-after U.S. Resy restaurants when you add your Delta SkyMiles® Reserve American Express Card to your Resy profile. Access to exclusive reservations, premium dining experiences, Priority Notify, and more, all from Resy.com or the Resy app.
$120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card for U.S. rideshare purchases with select providers. Enrollment Required.
Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn 2 Delta Comfort Flight Certificates + 50K Miles
Annual fee
$650
Regular APR
19.74%-28.74% Variable
Recommended credit
Excellent to Good
Why we chose it
The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our review of the Delta SkyMiles Reserve card.
Reserve Card Members receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year, the total eligible purchases on the Card must equal $75,000 or more each calendar year.
Pros + cons
Pros
Delta SkyClub access when flying Delta
Annual companion ticket for travel on Delta (upon renewal)
Ability to earn MQDs through spending
Various statement credits for eligible purchases
Cons
Steep annual fee of $650
Other Delta cobranded cards offer superior earning categories
More details
Earn two round‑trip Delta Comfort Flight Certificates valid for travel to the U.S. 48, Puerto Rico, or the U.S. Virgin Islands, along with 50,000 Bonus Miles after you spend $10,000 in purchases on your new Card in the first 6 months. A 21+ day advance purchase is required. Taxes and fees up to $80 per person apply. Terms and other restrictions apply. Offer ends 11/4/2026.
Delta SkyMiles® Reserve American Express Card Members receive 15 Visits each Medallion® Year to the Delta Sky Club® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card during a calendar year. Reserve Card Members can also enjoy complimentary access to The Centurion® Lounge and Escape Lounges when you book your Delta flight with your Delta SkyMiles® Reserve American Express Card.
Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
$240 Resy Credit: Get up to $20 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Delta SkyMiles® Reserve American Express Card for eligible purchases.
Global Dining Access by Resy gives you special access to sought-after U.S. Resy restaurants when you add your Delta SkyMiles® Reserve American Express Card to your Resy profile. Access to exclusive reservations, premium dining experiences, Priority Notify, and more, all from Resy.com or the Resy app.
$120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card for U.S. rideshare purchases with select providers. Enrollment Required.
Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
14X
Earn 14X Hilton Honors Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.
7X
Card Members can earn 7X Points on purchases of Flights booked directly with airlines or flights booked through American Express Travel, Car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants.
3X
Card Members can earn 3X Points on all other eligible purchases.
Intro offer
Earn 200,000 Hilton Honors Bonus Points
Annual fee
$550
Regular APR
19.74%-28.74% Variable
Recommended credit
Good to Excellent
Card Members can earn 3X Points on all other eligible purchases.
$400 Hilton Resort Credit: Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually.
$200 Flight Credit: Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline, through AmexTravel.com, or through the Amex Travel App™ using your Hilton Honors American Express Aspire Card.
CLEAR+ helps get you to your gate faster at 60+ airports nationwide. Receive up to $219 per calendar year in statement credits when you pay for your membership (subject to auto-renewal) with the Hilton Honors Aspire Card.
Earn up to 3 Free Night Rewards with the Hilton Honors American Express Aspire Card: Receive one complimentary Free Night Reward each membership year. Earn a second Free Night Reward from Hilton after you spend $30,000 or more on purchases on your Card in a calendar year. Earn a third Free Night Reward from Hilton after you spend an additional $30,000 in purchases on your Card in the same calendar year.
$100 Property Credit: Receive up to a $100 credit for qualifying charges at Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts properties when you book a 2 night minimum stay with your Card at HiltonHonorsAspireCard.com and select the Aspire Card Benefit rate option on the booking page, or call Hilton Honors at 855-292-5757 with the proper booking reference.
Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
$550 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
The Hilton Honors American Express Aspire Card offers unparalleled value for frequent Hilton loyalists. It offers automatic Diamond status, up to $400 in annual Hilton resort statement credits (up to $200 semi-annually) and a Free Night Reward every year. Its rich suite of benefits easily offsets the annual fee for those who stay at Hilton properties even a few times per year.
View more
Pros
Complimentary Hilton Diamond status with all the associated perks (including lounge access at select properties, complimentary breakfast and room upgrades when available)
Annual Free Night Reward (valid at most Hilton properties worldwide)
Up to $400 in Hilton resort statement credits each year (up to $200 semi-annually)
Up to $200 in airline fee credits annually (up to $50 in statement credits each calendar year)
Strong earning rates on Hilton purchases and select travel categories
Cons
High $550 annual fee
Perks are heavily Hilton-focused, making them less valuable if you don’t stay at their properties often
Best Points Offer Yet! Earn 200,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 01/13/2027.
Enjoy complimentary Diamond status with your Card. Diamond status gives you a 100% Bonus on Base Points you earn on every stay, Premium Wi-Fi and space-available room upgrades at select properties, executive lounge access at select properties, and more.
Earn 14X Hilton Honors Bonus Points when you make eligible purchases on your Card directly with hotels and resorts within the Hilton portfolio.
Card Members can earn 7X Points on purchases of Flights booked directly with airlines or flights booked through American Express Travel, Car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants.
Card Members can earn 3X Points on all other eligible purchases.
$400 Hilton Resort Credit: Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually.
$200 Flight Credit: Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline, through AmexTravel.com, or through the Amex Travel App™ using your Hilton Honors American Express Aspire Card.
CLEAR+ helps get you to your gate faster at 60+ airports nationwide. Receive up to $219 per calendar year in statement credits when you pay for your membership (subject to auto-renewal) with the Hilton Honors Aspire Card.
Earn up to 3 Free Night Rewards with the Hilton Honors American Express Aspire Card: Receive one complimentary Free Night Reward each membership year. Earn a second Free Night Reward from Hilton after you spend $30,000 or more on purchases on your Card in a calendar year. Earn a third Free Night Reward from Hilton after you spend an additional $30,000 in purchases on your Card in the same calendar year.
$100 Property Credit: Receive up to a $100 credit for qualifying charges at Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts properties when you book a 2 night minimum stay with your Card at HiltonHonorsAspireCard.com and select the Aspire Card Benefit rate option on the booking page, or call Hilton Honors at 855-292-5757 with the proper booking reference.
Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
$550 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
The Hilton Honors American Express Aspire Card offers unparalleled value for frequent Hilton loyalists. It offers automatic Diamond status, up to $400 in annual Hilton resort statement credits (up to $200 semi-annually) and a Free Night Reward every year. Its rich suite of benefits easily offsets the annual fee for those who stay at Hilton properties even a few times per year.
Pros + cons
Pros
Complimentary Hilton Diamond status with all the associated perks (including lounge access at select properties, complimentary breakfast and room upgrades when available)
Annual Free Night Reward (valid at most Hilton properties worldwide)
Up to $400 in Hilton resort statement credits each year (up to $200 semi-annually)
Up to $200 in airline fee credits annually (up to $50 in statement credits each calendar year)
Strong earning rates on Hilton purchases and select travel categories
Cons
High $550 annual fee
Perks are heavily Hilton-focused, making them less valuable if you don’t stay at their properties often
More details
Best Points Offer Yet! Earn 200,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 01/13/2027.
Enjoy complimentary Diamond status with your Card. Diamond status gives you a 100% Bonus on Base Points you earn on every stay, Premium Wi-Fi and space-available room upgrades at select properties, executive lounge access at select properties, and more.
Earn 14X Hilton Honors Bonus Points when you make eligible purchases on your Card directly with hotels and resorts within the Hilton portfolio.
Card Members can earn 7X Points on purchases of Flights booked directly with airlines or flights booked through American Express Travel, Car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants.
Card Members can earn 3X Points on all other eligible purchases.
$400 Hilton Resort Credit: Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually.
$200 Flight Credit: Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline, through AmexTravel.com, or through the Amex Travel App™ using your Hilton Honors American Express Aspire Card.
CLEAR+ helps get you to your gate faster at 60+ airports nationwide. Receive up to $219 per calendar year in statement credits when you pay for your membership (subject to auto-renewal) with the Hilton Honors Aspire Card.
Earn up to 3 Free Night Rewards with the Hilton Honors American Express Aspire Card: Receive one complimentary Free Night Reward each membership year. Earn a second Free Night Reward from Hilton after you spend $30,000 or more on purchases on your Card in a calendar year. Earn a third Free Night Reward from Hilton after you spend an additional $30,000 in purchases on your Card in the same calendar year.
$100 Property Credit: Receive up to a $100 credit for qualifying charges at Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts properties when you book a 2 night minimum stay with your Card at HiltonHonorsAspireCard.com and select the Aspire Card Benefit rate option on the booking page, or call Hilton Honors at 855-292-5757 with the proper booking reference.
Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
$550 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
The Hilton Honors American Express Aspire Card offers unparalleled value for frequent Hilton loyalists. It offers automatic Diamond status, up to $400 in annual Hilton resort statement credits (up to $200 semi-annually) and a Free Night Reward every year. Its rich suite of benefits easily offsets the annual fee for those who stay at Hilton properties even a few times per year.
Pros
Complimentary Hilton Diamond status with all the associated perks (including lounge access at select properties, complimentary breakfast and room upgrades when available)
Annual Free Night Reward (valid at most Hilton properties worldwide)
Up to $400 in Hilton resort statement credits each year (up to $200 semi-annually)
Up to $200 in airline fee credits annually (up to $50 in statement credits each calendar year)
Strong earning rates on Hilton purchases and select travel categories
Cons
High $550 annual fee
Perks are heavily Hilton-focused, making them less valuable if you don’t stay at their properties often
Best Points Offer Yet! Earn 200,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 01/13/2027.
Enjoy complimentary Diamond status with your Card. Diamond status gives you a 100% Bonus on Base Points you earn on every stay, Premium Wi-Fi and space-available room upgrades at select properties, executive lounge access at select properties, and more.
Earn 14X Hilton Honors Bonus Points when you make eligible purchases on your Card directly with hotels and resorts within the Hilton portfolio.
Card Members can earn 7X Points on purchases of Flights booked directly with airlines or flights booked through American Express Travel, Car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants.
Card Members can earn 3X Points on all other eligible purchases.
$400 Hilton Resort Credit: Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually.
$200 Flight Credit: Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline, through AmexTravel.com, or through the Amex Travel App™ using your Hilton Honors American Express Aspire Card.
CLEAR+ helps get you to your gate faster at 60+ airports nationwide. Receive up to $219 per calendar year in statement credits when you pay for your membership (subject to auto-renewal) with the Hilton Honors Aspire Card.
Earn up to 3 Free Night Rewards with the Hilton Honors American Express Aspire Card: Receive one complimentary Free Night Reward each membership year. Earn a second Free Night Reward from Hilton after you spend $30,000 or more on purchases on your Card in a calendar year. Earn a third Free Night Reward from Hilton after you spend an additional $30,000 in purchases on your Card in the same calendar year.
$100 Property Credit: Receive up to a $100 credit for qualifying charges at Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts properties when you book a 2 night minimum stay with your Card at HiltonHonorsAspireCard.com and select the Aspire Card Benefit rate option on the booking page, or call Hilton Honors at 855-292-5757 with the proper booking reference.
Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
$550 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn 200,000 Hilton Honors Bonus Points
Annual fee
$550
Regular APR
19.74%-28.74% Variable
Recommended credit
Good to Excellent
Why we chose it
The Hilton Honors American Express Aspire Card offers unparalleled value for frequent Hilton loyalists. It offers automatic Diamond status, up to $400 in annual Hilton resort statement credits (up to $200 semi-annually) and a Free Night Reward every year. Its rich suite of benefits easily offsets the annual fee for those who stay at Hilton properties even a few times per year.
Pros + cons
Pros
Complimentary Hilton Diamond status with all the associated perks (including lounge access at select properties, complimentary breakfast and room upgrades when available)
Annual Free Night Reward (valid at most Hilton properties worldwide)
Up to $400 in Hilton resort statement credits each year (up to $200 semi-annually)
Up to $200 in airline fee credits annually (up to $50 in statement credits each calendar year)
Strong earning rates on Hilton purchases and select travel categories
Cons
High $550 annual fee
Perks are heavily Hilton-focused, making them less valuable if you don’t stay at their properties often
More details
Best Points Offer Yet! Earn 200,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 01/13/2027.
Enjoy complimentary Diamond status with your Card. Diamond status gives you a 100% Bonus on Base Points you earn on every stay, Premium Wi-Fi and space-available room upgrades at select properties, executive lounge access at select properties, and more.
Earn 14X Hilton Honors Bonus Points when you make eligible purchases on your Card directly with hotels and resorts within the Hilton portfolio.
Card Members can earn 7X Points on purchases of Flights booked directly with airlines or flights booked through American Express Travel, Car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants.
Card Members can earn 3X Points on all other eligible purchases.
$400 Hilton Resort Credit: Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually.
$200 Flight Credit: Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline, through AmexTravel.com, or through the Amex Travel App™ using your Hilton Honors American Express Aspire Card.
CLEAR+ helps get you to your gate faster at 60+ airports nationwide. Receive up to $219 per calendar year in statement credits when you pay for your membership (subject to auto-renewal) with the Hilton Honors Aspire Card.
Earn up to 3 Free Night Rewards with the Hilton Honors American Express Aspire Card: Receive one complimentary Free Night Reward each membership year. Earn a second Free Night Reward from Hilton after you spend $30,000 or more on purchases on your Card in a calendar year. Earn a third Free Night Reward from Hilton after you spend an additional $30,000 in purchases on your Card in the same calendar year.
$100 Property Credit: Receive up to a $100 credit for qualifying charges at Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts properties when you book a 2 night minimum stay with your Card at HiltonHonorsAspireCard.com and select the Aspire Card Benefit rate option on the booking page, or call Hilton Honors at 855-292-5757 with the proper booking reference.
Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
$550 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
Up to 21X
Earn up to 21X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Brilliant® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status.
6X
Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
3X
Earn 3X points at restaurants worldwide and on flights booked directly with airlines.
2X
Earn 2X points on all other eligible purchases.
Intro offer
Earn 100,000 Bonus Points
Annual fee
$650
Regular APR
19.74%-28.74% Variable
Recommended credit
Excellent to Good
With complimentary Marriott Bonvoy® Platinum Elite status, earn up to 5X points from Marriott Bonvoy® on eligible hotel purchases with the 50% Bonus Points on stays benefit.
Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®, such as Le Metropolitan, a Tribute Portfolio Hotel in Paris. Certain hotels have resort fees.
Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
$100 Marriott Bonvoy® Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
Receive either a $120 statement credit for a Global Entry application fee or a statement credit up to $85 for a TSA PreCheck® (through a TSA official enrollment provider) application fee every 4 years, when charged to your Marriott Bonvoy Brilliant® American Express® Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Each calendar year, receive 25 Elite Night Credits towards the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
With your Marriott Bonvoy Brilliant® American Express® Card, you can enroll in Priority Pass™, with an unlimited number of visits to over 1,300 airport lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or in-between flights. You can enjoy snacks, drinks and internet access in a comfortable location.
Trip Cancelled or Interrupted? If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
No Foreign Transaction Fees on international purchases.
$650 Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
The Bonvoy Brilliant is ideal for travelers who are loyal to the Marriott brand. You’ll get a solid return on Marriott stays and a number of premium perks that can help you upgrade your trips. However, with high-end perks comes a high annual fee.
View more
Pros
Up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide
1 free night award (up to 85,000 points) every year after your card renewal month; certain hotels have resort fees
Priority Pass membership (enrollment required)
Automatic Platinum Elite status
Cons
Pricey $650 annual fee
Earn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
Earn 3X points at restaurants worldwide and on flights booked directly with airlines.
Earn 2X points on all other eligible purchases.
Earn up to 21X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Brilliant® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status.
$300 Brilliant Dining Credit: With the $300 Brilliant Dining Credit, you can get up to $25 per month each calendar year in statement credits for eligible purchases at restaurants worldwide when you pay with your Marriott Bonvoy Brilliant® American Express® Card.
With complimentary Marriott Bonvoy® Platinum Elite status, earn up to 5X points from Marriott Bonvoy® on eligible hotel purchases with the 50% Bonus Points on stays benefit.
Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®, such as Le Metropolitan, a Tribute Portfolio Hotel in Paris. Certain hotels have resort fees.
Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
$100 Marriott Bonvoy® Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
Receive either a $120 statement credit for a Global Entry application fee or a statement credit up to $85 for a TSA PreCheck® (through a TSA official enrollment provider) application fee every 4 years, when charged to your Marriott Bonvoy Brilliant® American Express® Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Each calendar year, receive 25 Elite Night Credits towards the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
With your Marriott Bonvoy Brilliant® American Express® Card, you can enroll in Priority Pass™, with an unlimited number of visits to over 1,300 airport lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or in-between flights. You can enjoy snacks, drinks and internet access in a comfortable location.
Trip Cancelled or Interrupted? If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
No Foreign Transaction Fees on international purchases.
$650 Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
The Bonvoy Brilliant is ideal for travelers who are loyal to the Marriott brand. You’ll get a solid return on Marriott stays and a number of premium perks that can help you upgrade your trips. However, with high-end perks comes a high annual fee.
Pros + cons
Pros
Up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide
1 free night award (up to 85,000 points) every year after your card renewal month; certain hotels have resort fees
Priority Pass membership (enrollment required)
Automatic Platinum Elite status
Cons
Pricey $650 annual fee
More details
Earn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
Earn 3X points at restaurants worldwide and on flights booked directly with airlines.
Earn 2X points on all other eligible purchases.
Earn up to 21X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Brilliant® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status.
$300 Brilliant Dining Credit: With the $300 Brilliant Dining Credit, you can get up to $25 per month each calendar year in statement credits for eligible purchases at restaurants worldwide when you pay with your Marriott Bonvoy Brilliant® American Express® Card.
With complimentary Marriott Bonvoy® Platinum Elite status, earn up to 5X points from Marriott Bonvoy® on eligible hotel purchases with the 50% Bonus Points on stays benefit.
Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®, such as Le Metropolitan, a Tribute Portfolio Hotel in Paris. Certain hotels have resort fees.
Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
$100 Marriott Bonvoy® Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
Receive either a $120 statement credit for a Global Entry application fee or a statement credit up to $85 for a TSA PreCheck® (through a TSA official enrollment provider) application fee every 4 years, when charged to your Marriott Bonvoy Brilliant® American Express® Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Each calendar year, receive 25 Elite Night Credits towards the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
With your Marriott Bonvoy Brilliant® American Express® Card, you can enroll in Priority Pass™, with an unlimited number of visits to over 1,300 airport lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or in-between flights. You can enjoy snacks, drinks and internet access in a comfortable location.
Trip Cancelled or Interrupted? If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
No Foreign Transaction Fees on international purchases.
$650 Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
The Bonvoy Brilliant is ideal for travelers who are loyal to the Marriott brand. You’ll get a solid return on Marriott stays and a number of premium perks that can help you upgrade your trips. However, with high-end perks comes a high annual fee.
Pros
Up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide
1 free night award (up to 85,000 points) every year after your card renewal month; certain hotels have resort fees
Priority Pass membership (enrollment required)
Automatic Platinum Elite status
Cons
Pricey $650 annual fee
Earn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
Earn 3X points at restaurants worldwide and on flights booked directly with airlines.
Earn 2X points on all other eligible purchases.
Earn up to 21X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Brilliant® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status.
$300 Brilliant Dining Credit: With the $300 Brilliant Dining Credit, you can get up to $25 per month each calendar year in statement credits for eligible purchases at restaurants worldwide when you pay with your Marriott Bonvoy Brilliant® American Express® Card.
With complimentary Marriott Bonvoy® Platinum Elite status, earn up to 5X points from Marriott Bonvoy® on eligible hotel purchases with the 50% Bonus Points on stays benefit.
Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®, such as Le Metropolitan, a Tribute Portfolio Hotel in Paris. Certain hotels have resort fees.
Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
$100 Marriott Bonvoy® Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
Receive either a $120 statement credit for a Global Entry application fee or a statement credit up to $85 for a TSA PreCheck® (through a TSA official enrollment provider) application fee every 4 years, when charged to your Marriott Bonvoy Brilliant® American Express® Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Each calendar year, receive 25 Elite Night Credits towards the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
With your Marriott Bonvoy Brilliant® American Express® Card, you can enroll in Priority Pass™, with an unlimited number of visits to over 1,300 airport lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or in-between flights. You can enjoy snacks, drinks and internet access in a comfortable location.
Trip Cancelled or Interrupted? If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
No Foreign Transaction Fees on international purchases.
$650 Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn 100,000 Bonus Points
Annual fee
$650
Regular APR
19.74%-28.74% Variable
Recommended credit
Excellent to Good
Why we chose it
The Bonvoy Brilliant is ideal for travelers who are loyal to the Marriott brand. You’ll get a solid return on Marriott stays and a number of premium perks that can help you upgrade your trips. However, with high-end perks comes a high annual fee.
Pros + cons
Pros
Up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide
1 free night award (up to 85,000 points) every year after your card renewal month; certain hotels have resort fees
Priority Pass membership (enrollment required)
Automatic Platinum Elite status
Cons
Pricey $650 annual fee
More details
Earn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
Earn 3X points at restaurants worldwide and on flights booked directly with airlines.
Earn 2X points on all other eligible purchases.
Earn up to 21X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Brilliant® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status.
$300 Brilliant Dining Credit: With the $300 Brilliant Dining Credit, you can get up to $25 per month each calendar year in statement credits for eligible purchases at restaurants worldwide when you pay with your Marriott Bonvoy Brilliant® American Express® Card.
With complimentary Marriott Bonvoy® Platinum Elite status, earn up to 5X points from Marriott Bonvoy® on eligible hotel purchases with the 50% Bonus Points on stays benefit.
Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®, such as Le Metropolitan, a Tribute Portfolio Hotel in Paris. Certain hotels have resort fees.
Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
$100 Marriott Bonvoy® Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
Receive either a $120 statement credit for a Global Entry application fee or a statement credit up to $85 for a TSA PreCheck® (through a TSA official enrollment provider) application fee every 4 years, when charged to your Marriott Bonvoy Brilliant® American Express® Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Each calendar year, receive 25 Elite Night Credits towards the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
With your Marriott Bonvoy Brilliant® American Express® Card, you can enroll in Priority Pass™, with an unlimited number of visits to over 1,300 airport lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or in-between flights. You can enjoy snacks, drinks and internet access in a comfortable location.
Trip Cancelled or Interrupted? If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
No Foreign Transaction Fees on international purchases.
$650 Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
2X
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
Intro offer
As High As 50,000 points. Find Out Your Offer.
Annual fee
No annual fee
Regular APR
16.99% - 28.74% Variable
Recommended credit
Excellent to Good
You’ve got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
No Annual Fee
Terms Apply.
Why we chose it
This credit card is good for two groups of consumers. First, small business owners who have under $50,000 in purchases and wants to minimize any extra costs will find tremendous value from this card’s straightforward point-earning approach. Or, if you already own other Amex cards that earn Membership Rewards points and want a card with an everyday rewards rate, the 2x is helpful for all purchases (given that you spend less than $50,000 per calendar year). Read our full review of the Blue Business Plus card.
View more
Pros
No annual fee
Earn Membership Rewards points
Transfer points to 20 airline and hotel partners
Cons
2 points per dollar spent earning rate is capped at $50,000 per calendar year; then 1 point per dollar spent thereafter
No higher bonus categories for business-related spending
As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74% based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
You’ve got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
No Annual Fee
Terms Apply.
Why we chose it
This credit card is good for two groups of consumers. First, small business owners who have under $50,000 in purchases and wants to minimize any extra costs will find tremendous value from this card’s straightforward point-earning approach. Or, if you already own other Amex cards that earn Membership Rewards points and want a card with an everyday rewards rate, the 2x is helpful for all purchases (given that you spend less than $50,000 per calendar year). Read our full review of the Blue Business Plus card.
Pros + cons
Pros
No annual fee
Earn Membership Rewards points
Transfer points to 20 airline and hotel partners
Cons
2 points per dollar spent earning rate is capped at $50,000 per calendar year; then 1 point per dollar spent thereafter
No higher bonus categories for business-related spending
More details
As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74% based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
You’ve got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
No Annual Fee
Terms Apply.
Why we chose it
This credit card is good for two groups of consumers. First, small business owners who have under $50,000 in purchases and wants to minimize any extra costs will find tremendous value from this card’s straightforward point-earning approach. Or, if you already own other Amex cards that earn Membership Rewards points and want a card with an everyday rewards rate, the 2x is helpful for all purchases (given that you spend less than $50,000 per calendar year). Read our full review of the Blue Business Plus card.
Pros
No annual fee
Earn Membership Rewards points
Transfer points to 20 airline and hotel partners
Cons
2 points per dollar spent earning rate is capped at $50,000 per calendar year; then 1 point per dollar spent thereafter
No higher bonus categories for business-related spending
As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74% based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
You’ve got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
As High As 50,000 points. Find Out Your Offer.
Annual fee
No annual fee
Regular APR
16.99% - 28.74% Variable
Recommended credit
Excellent to Good
Why we chose it
This credit card is good for two groups of consumers. First, small business owners who have under $50,000 in purchases and wants to minimize any extra costs will find tremendous value from this card’s straightforward point-earning approach. Or, if you already own other Amex cards that earn Membership Rewards points and want a card with an everyday rewards rate, the 2x is helpful for all purchases (given that you spend less than $50,000 per calendar year). Read our full review of the Blue Business Plus card.
Pros + cons
Pros
No annual fee
Earn Membership Rewards points
Transfer points to 20 airline and hotel partners
Cons
2 points per dollar spent earning rate is capped at $50,000 per calendar year; then 1 point per dollar spent thereafter
No higher bonus categories for business-related spending
More details
As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74% based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
You’ve got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
No Annual Fee
Terms Apply.
3.5
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
12X
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
6X
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
4X
Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases.
3X
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Intro offer
Earn 130,000 Hilton Honors Points + a Free Night Reward
Annual fee
$150
Regular APR
19.74%-28.74% Variable
Recommended credit
Good to Excellent
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. With Hilton Honors Diamond status, enjoy benefits like: A 100% Bonus on all Base Points you earn on every stay, Premium Wi-Fi at select properties, Daily food & beverage credit at select brands in the U.S. and complimentary continental breakfast at select brands outside of the U.S., Space-available room upgrades at select properties, and Executive lounge access at select properties.
Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$150 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Hilton Honors Gold status, with the opportunity to earn Diamond status
No foreign transaction fees
Cons
Dynamic award chart can require many points for a redemption
Ties you to Hilton properties
Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027.
Enjoy complimentary Hilton Honors Gold Status with benefits like an 80% Points earning Bonus on Stays, daily food & beverage credit or continental breakfast (varies by brand & region), space-available room upgrades at select properties, and more.
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. With Hilton Honors Diamond status, enjoy benefits like: A 100% Bonus on all Base Points you earn on every stay, Premium Wi-Fi at select properties, Daily food & beverage credit at select brands in the U.S. and complimentary continental breakfast at select brands outside of the U.S., Space-available room upgrades at select properties, and Executive lounge access at select properties.
Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$150 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Hilton Honors Gold status, with the opportunity to earn Diamond status
No foreign transaction fees
Cons
Dynamic award chart can require many points for a redemption
Ties you to Hilton properties
More details
Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027.
Enjoy complimentary Hilton Honors Gold Status with benefits like an 80% Points earning Bonus on Stays, daily food & beverage credit or continental breakfast (varies by brand & region), space-available room upgrades at select properties, and more.
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. With Hilton Honors Diamond status, enjoy benefits like: A 100% Bonus on all Base Points you earn on every stay, Premium Wi-Fi at select properties, Daily food & beverage credit at select brands in the U.S. and complimentary continental breakfast at select brands outside of the U.S., Space-available room upgrades at select properties, and Executive lounge access at select properties.
Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$150 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Hilton Honors Gold status, with the opportunity to earn Diamond status
No foreign transaction fees
Cons
Dynamic award chart can require many points for a redemption
Ties you to Hilton properties
Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027.
Enjoy complimentary Hilton Honors Gold Status with benefits like an 80% Points earning Bonus on Stays, daily food & beverage credit or continental breakfast (varies by brand & region), space-available room upgrades at select properties, and more.
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. With Hilton Honors Diamond status, enjoy benefits like: A 100% Bonus on all Base Points you earn on every stay, Premium Wi-Fi at select properties, Daily food & beverage credit at select brands in the U.S. and complimentary continental breakfast at select brands outside of the U.S., Space-available room upgrades at select properties, and Executive lounge access at select properties.
Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$150 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Hilton Honors Gold status, with the opportunity to earn Diamond status
No foreign transaction fees
Cons
Dynamic award chart can require many points for a redemption
Ties you to Hilton properties
More details
Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027.
Enjoy complimentary Hilton Honors Gold Status with benefits like an 80% Points earning Bonus on Stays, daily food & beverage credit or continental breakfast (varies by brand & region), space-available room upgrades at select properties, and more.
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. With Hilton Honors Diamond status, enjoy benefits like: A 100% Bonus on all Base Points you earn on every stay, Premium Wi-Fi at select properties, Daily food & beverage credit at select brands in the U.S. and complimentary continental breakfast at select brands outside of the U.S., Space-available room upgrades at select properties, and Executive lounge access at select properties.
Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$150 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
3
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
3%
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%).
1%
Earn 1% cash back on all other eligible purchases.
Intro offer
As High As $200 Cash Back. Find Out Your Offer.
Annual fee
$0
Regular APR
19.74%-28.74% Variable
Recommended credit
Excellent to Good
Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Terms Apply.
Why we chose it
The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You'll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Read our full review of the Blue Cash Everyday card.
View more
Pros
3% cash back at U.S. supermarkets (up to $6,000 in purchases per calendar year; then 1%)
3% cash back at U.S. gas stations and U.S. online retail purchases (up to $6,000 in purchases per calendar year; then 1%)
Access to Amex Offers (enrollment is required), which earn you statement credits or extra points on purchases with a wide variety of merchants
Cons
There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend
Charges foreign transaction fees
Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Terms Apply.
Why we chose it
The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You'll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Read our full review of the Blue Cash Everyday card.
Pros + cons
Pros
3% cash back at U.S. supermarkets (up to $6,000 in purchases per calendar year; then 1%)
3% cash back at U.S. gas stations and U.S. online retail purchases (up to $6,000 in purchases per calendar year; then 1%)
Access to Amex Offers (enrollment is required), which earn you statement credits or extra points on purchases with a wide variety of merchants
Cons
There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend
Charges foreign transaction fees
More details
Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Terms Apply.
Why we chose it
The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You'll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Read our full review of the Blue Cash Everyday card.
Pros
3% cash back at U.S. supermarkets (up to $6,000 in purchases per calendar year; then 1%)
3% cash back at U.S. gas stations and U.S. online retail purchases (up to $6,000 in purchases per calendar year; then 1%)
Access to Amex Offers (enrollment is required), which earn you statement credits or extra points on purchases with a wide variety of merchants
Cons
There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend
Charges foreign transaction fees
Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
As High As $200 Cash Back. Find Out Your Offer.
Annual fee
$0
Regular APR
19.74%-28.74% Variable
Recommended credit
Excellent to Good
Why we chose it
The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You'll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Read our full review of the Blue Cash Everyday card.
Pros + cons
Pros
3% cash back at U.S. supermarkets (up to $6,000 in purchases per calendar year; then 1%)
3% cash back at U.S. gas stations and U.S. online retail purchases (up to $6,000 in purchases per calendar year; then 1%)
Access to Amex Offers (enrollment is required), which earn you statement credits or extra points on purchases with a wide variety of merchants
Cons
There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend
Charges foreign transaction fees
More details
Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Nick Ewen is TPG's editor-in-chief and helps readers leverage credit cards (he has more than 25 of them) and loyalty programs to travel more for less. He's been at TPG for over 11 years.
Matt Moffitt is a contributing editor and expert in getting the most out of credit cards and points (he carries at least 25 cards in his wallet at any given time). Originally from Sydney, Australia, he won the Green Card Lottery and lived in Austin, Texas for 10 years before relocating to Spain in 2025.
Compliance manager Stanley Sanford has years of compliance experience in the credit card industry dating back to 2017. He's reviewed content for several reputable sites, including CreditCards.com, Bankrate, CNET. and even thepointsguy.com before leading the compliance team for The Points Guy full time in early 2022.
